In this video I break down the Stanford FCU Tech Card, a Visa Signature credit card that’s clearly built for people who live inside the Amazon/Google/Apple ecosystem and want credit-union-style low fees. I walk through the headline offers: 25,000 bonus points after you spend $1,500 in the first 90 days (about $250 cash back), plus a 1.99% introductory APR on balance transfers for six months if you transfer within the first 60 days. For a no-annual-fee card, that combo can be a solid one-two punch if you’re trying to grab an easy bonus and manage debt short-term. Then I get into the rewards and the fine print that matters. You earn 3x points on direct purchases at Amazon, Google, and Apple, 2x on dining and groceries, and 1x everywhere else—with strict annual caps (12,000 points on the 3x bucket and 6,000 on the 2x bucket) before everything drops to 1x. I also explain the membership requirement for Stanford Federal Credit Union, the merchant-code restriction (third-party checkouts may not trigger 3x), and the real risk: if you don’t clear that balance transfer inside six months, your APR jumps to the standard variable range of about 14.24% to 18%.